ARE ALL OF THE
DEBTOR’S DEBTS DISCHARGED OR ONLY SOME?
(Page
16)

Not all debts are discharged. The debts
discharged vary under each chapter of the Bankruptcy Code. Section
523(a) of the Code specifically excepts various categories of
debts from the discharge granted to individual debtors. Therefore,
the debtor must still repay those debts after bankruptcy. Congress
has determined that these types of debts are not dischargeable for
public policy reasons (based either on the nature of the debt or
the fact that the debts were incurred due to improper behavior of
the debtor, such as the debtor’s drunken driving).

There are 19 categories of debt excepted
from discharge under chapters 7, 11, and 12. A more limited list
of exceptions applies to cases under chapter 13.